Fred Loya Insurance in Las Vegas: Affordable Auto Coverage for 2025

Finding affordable car insurance in Las Vegas can be challenging, but Fred Loya Insurance offers customized policies tailored to your needs. This guide explores Loya’s services, benefits, and how to save on coverage without sacrificing protection in 2025.

Key Takeaways

• Fred Loya Insurance provides budget-friendly, customizable auto insurance in Las Vegas.
• Multiple Las Vegas locations and an online quote system offer convenient access.
• Offers liability, collision, and comprehensive coverage, with options for high-risk drivers.
• Mixed customer reviews highlight affordable rates but note issues with claims and service.

About Fred Loya Insurance

Fred Loya Insurance, a trusted provider since 1974, offers affordable auto insurance in Las Vegas. With multiple local offices and experienced agents, Loya delivers personalized policies to meet diverse driver needs, including options for high-risk individuals.

Locations and Hours

Loya operates several offices in Las Vegas, including a key location at 1952 E Charleston Blvd, Las Vegas, NV 89104. Hours are Monday–Friday, 9:00 AM–6:00 PM, and Saturday, 9:00 AM–2:00 PM. Additional offices are strategically located in retail areas for easy access.

Contact Information

For general inquiries, contact Loya’s Customer Service Center at (800) 860-5692. For claims, call (800) 880-0472. The North Las Vegas office is reachable at (702) 642-0802. For quotes or assistance, use (800) 444-4040. Have your policy number ready for faster service, though agents can assist without it.

Services Offered

Loya Insurance provides a range of auto insurance services, including:

• Liability Coverage: Covers damages or injuries you cause in an accident.
• Collision Coverage: Pays for repairs to your vehicle after a crash.
• Comprehensive Coverage: Protects against theft, vandalism, or weather-related damage.
• High-Risk Policies: Options for drivers with violations or accidents.

Agents tailor plans to fit your budget, ensuring coverage for accidents, repairs, and non-collision events.

Affordable Car Insurance in Las Vegas: What to Expect

Loya Insurance stands out in Las Vegas for its customizable policies, knowledgeable agents, and convenient quote options. Here’s what you can expect when choosing Loya in 2025.

Customized Policies

Loya’s agents work with you to create personalized insurance plans that balance coverage and affordability. Whether you need basic liability or full coverage, Loya offers budget-friendly options with competitive premiums, ideal for new drivers or those seeking economical rates.

Knowledgeable Agents

Loya’s experienced agents guide you through the insurance process, explaining coverage options and factors affecting premiums, such as driving history or vehicle type. They compare policies to find cost-effective solutions, ensuring you get the best value for your needs.

Online Quote Option

Get a fast online quote from Loya by entering your vehicle and driving details. This service lets you compare rates with other providers like State Farm or USAA, ensuring you find affordable coverage. Explore Nevada’s low-income insurance programs for additional savings.

Customer Reviews: Why Choose Loya Insurance?

While Loya is praised for its affordability and accessibility, customer feedback is mixed. Below, we highlight key aspects of Loya’s reputation in Las Vegas.

Fast and Efficient Service

Loya’s streamlined processes ensure quick responses for quotes and claims. However, some customers report delays or communication issues during claims, so clarify expectations with your agent upfront.

Affordable Rates

Loya is known for competitive pricing, offering some of the lowest rates in Las Vegas, especially for high-risk drivers. Customers appreciate budget-friendly plans, though premium costs vary based on driving history and coverage needs.

Convenient Locations

With multiple offices in Las Vegas, including locations in retail centers, Loya ensures easy access. Note that the claim of 800 offices seems overstated; Loya operates over 500 locations nationwide, with several in Nevada.

How to Get Started with Loya Insurance

Starting with Loya is simple. Follow these steps to secure affordable coverage in Las Vegas.

Request a Quote

Call (800) 444-4040 or visit Loya’s

Gather Necessary Information

Prepare the following for an accurate quote:

• Driver’s license number and Social Security number.




• Vehicle details (year, make, model, mileage).




• Desired coverage (liability, collision, comprehensive).




• Driving history (accidents, violations).

Compare and Choose Your Policy

Compare Loya’s quote with other providers using tools like The Zebra. Consider your budget, driving habits, and coverage needs to select the best policy for you.

Conclusion

Fred Loya Insurance offers affordable, customizable car insurance in Las Vegas, with convenient locations and online quote options. While praised for low rates and accessibility, some customers report challenges with claims handling. To ensure the best coverage, compare quotes from multiple providers and review Loya’s policies carefully. Start today by requesting a quote and securing budget-friendly protection for 2025.

Feature	Details
Coverage Options	Liability, collision, comprehensive, high-risk policies
Locations	Multiple Las Vegas offices, e.g., 1952 E Charleston Blvd
Contact	(800) 860-5692 (general), (800) 880-0472 (claims)
Customer Feedback	Mixed: Affordable rates, but some claims issues